Category: Auto Insurance

The agents of AFI Insurance have many years of experience when it comes to automotive and motorcycle insurance. Motorcycle owners living in Denver, CO often have questions about how to insure their bikes if they have a custom paint job or a bike that has been custom built. Having the proper insurance is always a top priority.

The Cost of Customizing

A customized paint job for a motorcycle can cause several hundred dollars. In some cases, special paints are used that are extremely expensive. If the bike is damaged or involved in an accident, your insurance company may not pay the entire amount to restore the paint job to its prior state. In most cases, insurance policies only cover repairs to the bike itself and a conventional paint job. Unless you have purchased additional coverage, your insurance may refuse to cover the cost of the more expensive paint.

Meeting Your Deductible

Most motorcycle and auto insurance policies have a deductible that must be met before the insurance policy will begin to cover damages. In the case of a customized bike, the money used to pay the deductible will go towards the general repairs first. Whether the owner of the bike receives the check or it goes directly to the shop making the repairs, any cost over and above what it takes to repair the bike and provide a general paint job will fall on the owner.

In Denver, CO, residents are encouraged to call the agents of AFI Insurance if they have questions concerning what is covered by their motorcycle insurance policy. Individuals who have customized bikes can call the office and find the answers to all of their insurance questions.

If you’re a biker on the market for the right motorcycle insurance policy, you need to be aware of what your insurance policy covers and what it doesn’t.

There are some potential costs that may come up while you’re riding if you experience accident damages. The following are three things that your insurance may cover or may be designed to cover depending on your policy details:

Your liabilities out on the road

The number one thing your insurance policy must cover that’s required by low is your liabilities. Your insurance must cover any damages you cause while biking. This should include both property damage as well as physical injury.

Any basic motorcycle insurance policy will provide liability coverage. However, the amount of coverage that’s required by law can vary by state.

Injuries to guest passengers

Motorcycle policies will generally offer coverage for injuries caused to a guest passenger. In the state of Utah, coverage for guest passengers on a motorcycle is required to be a part of the rider’s motorcycle insurance coverage.

Damage to your bike

If you choose collision coverage as part of your motorcycle insurance policy, your insurance policy will offer coverage for any damage your bike experiences when you become involved in an accident.

Collision coverage ensures that you will always be compensated should your bike become damaged out on the roads. However, collision coverage is generally not required by law. You can decide whether you want to add collision coverage to your policy. Adding collision coverage is likely to increase your monthly premium.

If you’d like to learn more about motorcycle insurance policies that are available to those residing in the Denver, CO area, you can contact AFI Insurance with your questions and concerns.

You may not even think of your boat during the times you are unable to use it. That may only be a few months out of the year, by the time you have to take account of weather conditions and when you can take off from work. So you are probably asking yourself if it is worth ensuring your boat during all those times when you are not even getting to enjoy it.

The friendly agents at AFI Insurance help people in Denver, CO find insurance policies that best meet their needs, and you may already have a homeowner’s policy which covers your boat if something were to happen to it while it is stored in your garage during the winter. Is year-round boat insurance an unnecessary expense?

1. If you still have a loan on your boat, you are probably required under the terms of the loan to have full coverage to cover anything that happens to the boat, until the loan is paid off. Failure to do so could cause the lender to force an expensive policy onto your loan.
2. If you keep your boat at a marina or boathouse, your insurance policy will cover any damages that occur because of a fire, vandalism or theft. These kinds of events are unpredictable and can happen at any time.
3. Even if your homeowner’s policy covers basic loss while your boat is stored at home, a real boat insurance policy will also cover damages related to collisions with another boat, damages to someone’s property, and bodily injury in case of an accident.
4. Keeping your insurance policy year after year can mean that you start receiving loyalty discounts, or even save money on your deductible.

If you are in Denver, CO and want to find out how to save money while protecting your boat, call AFI Insurance today.

Factually stated, not any of us are getting any younger. Serving the Denver, CO area the varied age folks at AFI Insurance treat each customer with respect and courtesy, informing all clients what their insurance responsibilities are so there are no surprises in the event of an accident. Like everything else, things change with our driving habits and abilities as we age. As a result, our automobile insurance needs change since effective insurance reflects our individual status.

Most states follow the mandate that states that insurance rates are higher for those drivers who are under 25 and over 65. The rates change for older drivers as a natural course that they are more likely to get into accidents due to declining vision along with other health concerns. State to state statistics bears out this truism as younger drivers are more likely to get into accidents due to being more impulsive and less careful.

Defend Yourself

Fortunately, we can enact counter measures to combat the natural effects of aging by proactively becoming better drivers. Taking defensive driving classes as well as other extracurricular driving instruction is a great idea for older drivers. Undergoing special eye examinations that test for driving acuity is yet another helpful measure to ensure safety. Actively becoming a better more informed driver is the key to remaining vital on the road.

Whether you are interested in purchasing insurance for your home, auto, or life, the conscientious staff at AFI Insurance can give you the information you need to make an informed decision about taking care of the business of protecting your assets and your peace of mind. Also we have insurance products to protect your commercial interests as well. Centrally located in beautiful “Mile High City,” (that’s plain old Denver, CO to you non-Denverites) come into our office at 3900 West 38th today.

Auto insurance is mandatory for drivers in the United States. Drivers in Colorado must meet the minimum criteria to auto insurance liability, or comprehensive coverage depending on their driving record. AFI Insurance of Denver offers auto insurance to drivers in Colorado State.

The main categories of auto insurance available to Colorado drivers:

Liability Coverage – the mandated minimum auto insurance requirement every Colorado driver must meet to register a vehicle and driver in the state, covers another driver’s injuries and property damage after an accident claim.

Property Coverage – auto collision coverage compensates for vehicle repairs or replacement in response to an accident or vandalism claim.

Medical Coverage – compensates an insured for any medical bills hospitalization, funeral expenses, as well as lost wages due to injury.

Comprehensive Coverage – a single policy combining liability coverage, property damages, and medical expenses.

Colorado auto insurance premiums are indexed at a higher rate. Depending on a driver’s accident and traffic ticket record, auto liability insurance may be supplemented with collision or part of a comprehensive auto insurance agreement. Comprehensive auto insurance policies cover medical bills, vehicle repair bills, and attorney fees if a lawsuit should ensue after an accident claim.

A driving record that has negative marks for accidents or traffic tickets may be categorized as a risk; requiring a driver to meet comprehensive auto coverage requirements to register a vehicle, as well as apply or renew a license. Colorado drivers with a good driving record may benefit from discounts offered through their insurer. Ask your insurance broker about your eligibility for a good driver discount.

To find out about auto insurance coverage policy premiums, claims grace periods, and terms and conditions in Colorado, and to request a quote, contact AFI Insurance, Denver CO.

When you hear about Denver, CO, one might think of snowfall; the arid conditions actually bring only 8 to 15 inches of annual precipitation, which it gives residents over 300 days of sunshine a year. The average temperature is 45 degree Fahrenheit and the mountains remain snowcapped throughout winter. Because it is sunny so much in Denver the snow spells rarely last more than two day, which can create water damage from the melting snow.

Winter in Denver, CO can be a fun time for skiing and snowboarding, but it can be hard on one’s home. That’s why there are special precautions that should be taken to prepare one’s home for winter weather. The first thing that can be done is to make sure your heating system is working properly and if it is in need of a tune up. Another easy tip is to switch your ceiling fan in reverse. That may seem silly, but it can help when you turn on your heat because it will produce an updraft and push down the heat. Next, check your roof for missing or broken shingles because the melting snow can get heavy and may leak during a winter storm. This is why having homeowners insurance that covers roof leaks in the Denver, CO area is so important. You can also caulk in the window frames and door frames and gaps between the sidings. Silicon’s caulk is best for harsh exteriors because it won’t shrink and is impervious to the winter elements. Cleaning your gutters that are full of detritus can back up water which can then damage the roofing, siding, and even wood trim. That can even cause leaks and ice dams. These are just a few tips to deal with the winter weather in Denver, CO.

You can also caulk in the window frames and door frames and gaps between the sidings. Silicon’s caulk is best for harsh exteriors because it won’t shrink and is impervious to the winter elements. Cleaning your gutters that are full of detritus can back up water which can then damage the roofing, siding, and even wood trim. That can even cause leaks and ice dams. These are just a few tips to deal with the winter weather in Denver, CO.